Credit Analyst

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The Credit Analyst duties include researching and examining credit risks, assessing credit history, and approving or disapproving extension of credit. May work with accounts receivable department. Bachelor’s degree (Accounting/Finance) or equivalent 3+ years of financial experience preferred. Relies on instructions and pre-established guidelines to perform the functions of the job. Works under immediate supervision. Primary job functions does require exercising some independent judgment. Reports to supervisor or manager.
Key Responsibilities:
Decision Making
  •  Analyzes and makes decisions on transactions up to their approved authority limits
  •  Completes an acceptable amount of transactions on a daily basis
  •  Complete and accurate review of new vendors
  •  Complete and in-depth knowledge of all Credit Policies & Procedures
  •  Clearly communicates credit decisions
Transaction Management
  •  Identifies potential fraudulent transactions
  •  Complete and accurate review of all fields required by both the Credit Analyst and the Credit Processor
  •  Responds to questions on transactions in a timely manner
  •  Effective management and usage of the Aspire work queues
Continuing Education & Research
  •  Stays up to date on economic changes and cycles
  •  Consistently contributes articles/ideas to the entire team
Other Responsibilities
  •  Willingness to adjust daily schedule to handle the ebb and flow of transactions
  •  Contributes ideas for process enhancements & efficiencies
  •  Additional projects and responsibilities as outlined by Supervisor
Skills and Abilities
  • Self-motivation with strong sense of initiative, accountability and attention to detail
  • Thorough knowledge of internal credit processes and procedures
  • Well-developed planning, time management and organizational skills
  • Ability to handle multiple tasks during constantly fluctuating work load
  • Excellent written and verbal communication skills
  • Commitment to exemplifying the highest integrity and professional business standards
Education and Training Guidelines
  • High School Diploma required
  • Bachelor’s degree in Business/Finance/Accounting or other relevant field strongly preferred
  • At least two (2) years’ experience in credit underwriting, data entry and/or transaction processing preferred
Supervisory Responsibility
This position does not have direct supervisory responsibilities.